SpendimoWhy Spendimo never connects to your bank
Every bank-linked budgeting app asks for the keys to your financial life. We built the opposite.
Almost every budgeting app opens with the same request: link your bank account. It’s convenient. It’s also the single biggest privacy trade in consumer software — a running feed of everything you earn and spend, handed to a company you met four seconds ago.
Spendimo connects to no banks. Here’s what that means in practice.
What “no bank connection” buys you
| Bank-linked apps | Spendimo |
|---|---|
| Your credentials flow through an aggregator | There are no credentials |
| Every transaction is on their servers | Free tier: everything stays on your iPhone |
| Works until the bank API breaks | Works with every bank on earth — because it connects to none |
| You are the product when the app is free | Free means free; Pro pays for the server |
Doesn’t typing things in get old?
Honestly: less than you’d think. Adding an expense takes about ten seconds, the app remembers your habits, and receipts can be scanned — on the device, never uploaded. What you lose in automation you gain in actually noticing what you spend, which is the entire point of tracking.
The receipt test
One question cuts through any privacy policy: where does the receipt photo go? In Spendimo, it goes nowhere. Scanning runs on Apple’s Vision engine on the phone itself, and the image is discarded after parsing. No server of ours has ever seen one.